The March 24, 2010 decision of Justice Grace in Wadhwani v. State Farm, 2010 ONSC 2479  allows accident victims that return to work shortly after an accident, but become disabled over time, to recover Income Replacement Benefits (IRBs).  Carmen Wadhwani was injured in a motor vehicle accident on September 26, 1997.  State Farm was her automobile insurer for the purposes of Statutory Accident Benefits.  Ms. Wadhwani was 33 years old at the time of the accident.  She had recently started her own business as an aesthetician. Read the rest of this entry »